Current Whole Life Policy Values			Select Landscape Option When Printing
$250,000 Male Nonsmoker Best^ Class			If you would like this in spreadsheet form, open Excel, and then open the file WL04CURR.htm
As of February 1, 2004; In Most States			in Program Files/Full Disclosure 3.0/FDWin32/Reports

Age 40 Base Policy
Company	Policy	Annual Premium	Cash Value Year 10	Cash Value Year 30	IRR Cash Value Year 30	Death Benefit Year 30	IRR Death Benefit Year 30	Guaranteed Cash Value Year 30
Equitable Life	Equitable Whole Life	3,743	32,907	202,216	3.56%	370,711	6.89%	124,000
Guardian Life	Whole Life 100/1000	3,602	35,603	237,682	4.69%	403,159	7.54%	131,815
Guardian Life	Whole Life Paid-Up at 96	4,069	40,818	259,040	4.49%	431,858	7.26%	133,478
Lafayette Life	Contender	4,300	39,515	234,663	3.62%	413,231	6.73%	130,500
Manulife Financial	Premier Whole Life	3,600	26,396	255,566	5.10%	506,865	8.72%	115,545
Massachusetts Mutual Life	Whole Life	3,490	33,999	245,624	5.05%	431,683	8.06%	127,775
Massachusetts Mutual Life	High Early Cash Value	4,005	43,031	279,320	5.00%	465,966	7.74%	134,178
MetLife	L-98	3,550	36,967	243,909	4.92%	423,056	7.86%	123,750
MONY Life	MONY Whole Life	3,685	33,849	239,022	4.60%	413,860	7.55%	129,500
Mutual Trust Life	Covenant	3,675	37,653	221,649	4.19%	395,244	7.33%	128,270
National Life	NL LifeCare	3,500	33,368	176,350	3.16%	318,401	6.44%	127,775
New York Life	AD 101 Whole Life	3,625	36,005	219,101	4.20%	391,701	7.35%	128,000
Northwestern Mutual Life	Adjustable CompLife	4,665	48,331	376,417	5.80%	613,170	8.37%	132,345
Northwestern Mutual Life	Select 100	4,095	41,235	331,529	5.81%	540,825	8.40%	136,077
Ohio National Life	Executive Protector Excel	3,678	30,357	310,073	6.03%	507,272	8.62%	147,840
Penn Mutual Life	LifeWise/LifeWise Plus	3,705	35,958	219,075	4.08%	382,285	7.11%	128,000
Security Mutual Life of NY	Customizer 5	3,473	33,952	241,342	4.98%	424,345	7.99%	127,953
Union Central Life	Whole Life 98	3,683	36,544	264,922	5.17%	461,206	8.12%	127,500
USAA Life	Competitive Whole Life II	3,985	41,830	354,008	6.31%	602,816	9.09%	128,865

Age 40 50/50 Term Blend Policy
Company	Policy	Annual Premium	Cash Value Year 10	Cash Value Year 30	IRR Cash Value Year 30	Death Benefit Year 30	IRR Death Benefit Year 30	Guaranteed Cash Value Year 30	Minimum Blended Premium Possible	Percentage of Term Insurance Used
Equitable Life	Equitable Whole Life	2,774	22,789	132,840	2.87%	256,587	6.53%	80,600	*2,774	*35%
Guardian Life	Whole Life 100/1000	1,952	17,857	106,020	3.59%	250,000	8.24%	66,036	1,824	60%
Guardian Life	Whole Life Paid-Up at 96	2,212	20,472	118,380	3.51%	250,000	7.59%	66,868	1,845	60%
Manulife Financial	Premier Whole Life	2,583	17,351	162,711	4.43%	290,680	7.56%	57,773	1,972	80%
Massachusetts Mutual Life	Whole Life	2,010	17,961	121,341	4.19%	251,404	8.11%	63,888	1,704*	60%
Massachusetts Mutual Life	High Early Cash Value	2,244	22,708	141,927	4.46%	250,000	7.51%	67,089	1,891	60%
Mutual Trust Life	Covenant	2,524	23,319	130,294	3.30%	250,000	6.89%	64,135	2,285	60%
National Life	NL LifeCare	2,051	17,772	79,671	1.62%	256,421	8.11%	67,976	2,051	47%
New York Life	AD 101 Whole Life	1,945*	16,900	87,032	2.75%	250,000	8.46%	64,000	526*	96%
Northwestern Mutual Life	Adjustable CompLife	3,171	31,905	250,365	5.68%	399,072	8.15%	66,172	1,689	99%
Ohio National Life	Executive Protector Excel	1,982	14,634	141,550	5.13%	260,097	8.36%	73,920	1,315	90%
Penn Mutual Life	LifeWise/LifeWise Plus	2,399	22,290	124,911	3.35%	250,000	7.16%	64,000	2,399	50%
Security Mutual Life of NY	Customizer 5	2,069	19,289	127,583	4.31%	254,871	4.61%	63,976	1,467	71%
Union Central Life	Whole Life 98	2,799	26,064	192,709	4.93%	324,725	7.72%	63,750	2,092	90%

^Best class at least 15% of all issued policies.

Footnotes & Clarifications:
Equitable Life	Equitable Whole Life	Maximum ter
Massachusetts Mutual Life	Whole Life	Minimum Ble
Northwestern Mutual Life	Select 100	Select 100 is
New York Life	AD 101 Whole Life	Death Benefi